HTX, the exchange formerly called Huobi, does not pay naira into your bank from your balance. Its naira route is P2P, or you can send your coin to an app that buys it for naira. Here is how to do the second, and what to check if you use P2P.
Huobi renamed itself HTX in September 2023, and huobi.com moved to htx.com.
If an older guide, video or friend tells you to open Huobi, they mean HTX. Older help articles still show the Huobi layout, so expect some screens to look different from what you read.
HTX lists naira among the currencies on its P2P market, which is where its naira route lives: another user pays naira into your bank and you release your crypto to them. The other route is to withdraw the coin on chain to a platform that buys it for naira. Yesa is our app, so read this comparison with that in mind. Everything in the Yesa column is something you can check on screen before you confirm.
| P2P on HTX | Send to Yesa, then sell | |
|---|---|---|
| Who pays you | Another user, from their own bank account | Yesa |
| Your rate | Set by the buyer's ad | On your screen before you confirm the sale |
| What can go wrong | Fake payment alerts, payments from someone else's account, disputes that hold your crypto | Sending on a network your deposit screen does not list |
| Fees | Set by the buyer's ad | HTX's withdrawal fee, then zero sell fees on Yesa |
| Speed to your bank | Depends on finding and waiting for a buyer | Median 4.7 seconds across 1,700 measured bank payouts, after the sale |
In Yesa, choose the coin you hold and open your personal deposit address. The screen lists the networks it accepts for that coin; for USDC that is Ethereum (ERC-20), Solana, Polygon, BNB Smart Chain (BEP-20), Base and Arbitrum. Copy the address for the network you will use.
In the HTX app, tap Assets in the bottom bar, tap Withdraw, choose the coin, then choose Withdraw via Blockchain Address (names can change between app versions). Choose the same coin you picked in Yesa.
Choose a network that appears on HTX's withdraw screen and on your Yesa deposit screen. HTX's own help page says to select the chain before you paste the address, and to check which network the receiving side uses. HTX shows its withdrawal fee and minimum for each network before you confirm.
Paste your Yesa address, never type it, and compare the first and last few characters. Enter the amount and confirm. HTX asks for a code for every two-factor method you have set up, for example both an email code and an authenticator code.
The first time, send a small amount and wait for it to show in Yesa before you send the rest.
The naira amount is on your screen before you confirm the sale. Then withdraw to any Nigerian bank account.
HTX's withdraw screen offers Withdraw via Blockchain Address and Withdraw via HTX Account. The second only reaches other HTX users. To send to Yesa, use the blockchain address option.
If you have set up email, SMS and an authenticator, HTX asks for a code from each one before it sends. Have them all to hand, and never share them with anyone, including someone claiming to be support.
If you switched on HTX's withdrawal address whitelist, you can only send to whitelisted addresses, and a newly added one waits a set period before it becomes usable. Add your Yesa address ahead of time. Sending to a new address can also trigger extra security checks on HTX's side.
On HTX the path is Buy Crypto, then P2P, then Sell, with naira as the currency (names can change between app versions). When the buyer marks the order paid, HTX asks you to tick that you have received the payment and enter your fund password to release. Tick that box only after you have seen the money in your own bank app.
Comparing routes for USDT? See four ways to cash out USDT in Nigeria.
Yesa buys USDT, Bitcoin (BTC), Ethereum (ETH), Solana (SOL), BNB, USDC, Litecoin (LTC) and TRON (TRX). Your Yesa deposit screen is the final word: send only on a network it lists, and send a small test amount the first time. A coin sent on a network the screen does not list can be lost.
Guides for each coin: sell USDT, sell USDC, sell Bitcoin, sell Ethereum, sell Solana, sell BNB and sell Litecoin. The full list of coins and networks is on coins and networks Yesa supports.
This guide explains how to move and sell crypto you already hold. It is not a view on whether to sell, hold or buy any coin, and nothing here is financial advice.
Not straight from your HTX balance. Use HTX's P2P market, where another user pays naira into your bank, or send your coin from HTX to Yesa, sell it at the naira figure on screen, and withdraw to any Nigerian bank account.
Yes. Huobi renamed itself HTX in September 2023 and moved from huobi.com to htx.com. Guides that mention Huobi are describing the same exchange, though the screens may have changed.
HTX lists naira among the currencies on its P2P market. How many buyers you find, and at what rate, depends on the ads on the day.
Withdraw via Blockchain Address. The HTX Account option only sends to other HTX users. Then pick a network your Yesa deposit screen also lists; for USDC, Yesa accepts Ethereum (ERC-20), Solana, Polygon, BNB Smart Chain (BEP-20), Base and Arbitrum.
Check the withdrawal status in HTX, then look up the transaction hash on the network's explorer. If it is confirmed on chain and still missing in Yesa, email support@yesaapp.ng with the transaction hash.
Across 1,700 measured bank payouts on Yesa, the median payout time was 4.7 seconds. These are historical measurements, not guarantees. The on-chain part, your crypto reaching Yesa, comes first and depends on the network you send on.
The Yesa Team. Details checked 18 October 2026. Details about other platforms come from their own apps, announcements and help pages on the date shown; menu names, limits and fees can change between app versions. If anything here is out of date, email support@yesaapp.ng and we will correct it.